Countrywide Financial Nevada Home Loans Sucks

COUNTRYWIDE HOME LOAN SUCKS!
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Countrywide Financial - Nevada Home Loans - Equity Loan Mortgages SUCKS!

Nevada Home Loans? Sub-prime (bad credit), Need money, Mortgage Refinance, Or Want A Home Equity Loan Nevada and dont want to get ripped off or have hiden fees on your Home Loans?

Need A Home Loan NV, Refinance, Purchase, Or Make Home Improvements. Mortgage Rates Have Reached A All-Time Low Make Sure You Pick A Broker That Will find the right Home Equity loan at the best rate for you. We recommend that you conduct your own due diligence on mortgage brokers to find the one that is best for you. This site is a forum for users and should not be your only source of information about Countrywide Home Loan prior to choosing a lender.

This is what home loan customers in Nevada (NV) have been saying...

Nevada Home Loans Sponsored By US Home Loan
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Date: Sat 02/24/07 3:38PM
From: JC

Message: I worked for Countrywide for about a year and left in August, 2005. In 2005 Countrywide decided to stop paying employees current and start paying them one week in arrears. They gave employees what they called a "Cutover Loan" which would cover the one week's salary the employee would be missing in their paycheck because of Countrywide's policy change. Subsequently, the employee would pay Countrywide back the "Cutover Loan" through paycheck deductions. When I quit Countrywide in August, 2005 I was sent a final paycheck that was suppose to cover the money I was owed for vacation I handn't taken and days I hadn't been paid for yet minus whatever amount I still owed on the "Cutover Loan." Now, a year and a half later I just received a collection letter from Countrywide saying that I owe them $332.18 from the "Cutover Loan" from 2005. I doubt that I still have any paystubs that I could use to verify the accuracy of what they are saying. Is this legal for them to send me a final payoff check and then send me a letter a year and a half later saying tha5t they are attempting to collect a debt I owe them?
Date: Tue 10/31/06 1:38AM
From: CJG
Email: cjezzard@aol.com

Message: So, what I'm wondering is if anyone else out there has had a similiar experience with Countrywide Field Services? I am taking my client (the heir referred to in the previous post) to an attorney this week. There will be damages, clearly, as Countrywide and Mr. Castillo have already stated that they have no use for Nevada Law. We figure we may as well just start counting up the damage $$, compensatory and all. We could use a few testimonies of 'repeat offense' nature. So, if anyone wants to see Countrywide take the beating they deserve in both court, and in public opinion over this travesty; please e-mail me. I can't stand to see my client, or anyone else, hurt by the reckless endangerment of bullies like Countrywide Home Loans, Countrywide Field Services, and Mr. Castillo of South Valley Mortgage Servicing. Let's expose the behaviors, and tell the truth so they can pay for their abuse...
Date: Tue 10/31/06 1:32AM
From: CJG
Email: cjezzard@aol.com

Message: Countrywide Home Loans and Countrywide Field Services, along with their 'hired thug', a Mr. Castillo of South Valley Mortgage Services, have violated Nevada state law today, and Mr. Castillo tells me that he doesn't care what the law says, because he is acting on Countrywide's request/behalf. Interesting!! My client is the only living heir, property is in probate, default was just filed on 9-12-06. The utilities are on, the property is semi-occupied, still has the deceased belongings in the property per Probate until the court filings are complete. Mr. Castillo and Countrywide contacted us, the heir's Realtors, today to advise us that he is "breaking into the property' in '24 hours' to change the locks, (which will prevent her from selling the home, as it can't be shown), remove the belongings, and 'secure the property'. When we faxed the probate paperwork, letters of authorization, etc. to Countrywide and Mr. Castillo, they ignored them. We have multiple fax receipts that show they both received the paperwork. Nevada foreclosure law states that they do not have the right to 'secure' a property until at least 90 days plus two weeks have pa**ed , unless the home is abandoned. It is clearly not abandoned. Mr. Castillo stated that the lawn was unmowed, and that was why he determined it to be abandoned. But, it's a condo in a complex where the grounds are maintained by the HOA. So, he is just a thug. Countrywide is breaking the law, and violating the ruling of the probatecourts.
Date
Left: July 20, 2006 By: country fried chick In: san diego, ca

bridgegirl24@yahoo.com has very enlightening info on this scumbag company. We have been able to exchange valuable info. Sharing makes the pieces of the puzzle fit together and exposes the pattern of CW's unethical/illegal ways of dealing with complainants. The John Bianchi region retaliates against complainants, with the facilitation of HR/ER -- period. In my best estimate, a class action will be formed soon, to deal with one or all of the following: compensation, harassment/retaliation and overtime. There are a bunch of us who have legal representation now: lawyers on contigency fees!

I am a current employee, dealing with CW's HR and Legal. I have reported ethics and legal violations to the General Counsel and Chief Ethics Officer. I have also just reported to government agencies and I hear the press will be calling anyday. I was mercilessly sexually harassed and financially abused, transferred and "promoted" against my will, have NEVER received an accurate paycheck, and am being denied transfer out of the region that I have reported fraud on. I can verify 100% that bridgegirl was a CW employee, taken advantage of in many of the same ways. I can't even begin to describe the pain inflicted on my family and myself, by this CRIMINAL company! There is asolutely NOTHING that CW can honestly say about my job quality or effort. I have never been reprimanded, never been fired and never sued any employer before.

We are both upstanding, honest people who refused to engage in unethical and illegal business practices, and who only want payment fot the jobs we have done! We WILL get this. We, and a few others, are ready to help and share info for others like us. We have families and other obligations. We are simply kind and decent people (what an unusual concept, huh?).

Whomever is saying "Don't contact bridgegirl" is a scared, Countrywide piece of shit!!

We'll be the last ones laughing, Countryfried!

Fink, Bianchi and Brumby (and a few Region 53 branch managers): Your days are numbered. You're going to be the little scapegoats, soon to find out what it feels like to be considered "disposable." Your execs don't give a rat's ass about any of you.


Left: July 19, 2006 By: In:

Brian Hale.....Cardiac arrest would be too easy for you, bitch


Left: July 19, 2006 By: In:

just read the webiste owners story, this is how countrywide does it, deny deny deny.


Left: July 19, 2006 By: t In: vegas

Whoever the guy named TOP PRODUCER is, he smokes crack.


Left: July 19, 2006 By: In:

true that , she helped me out just on this board, post your story, go to the press and govenment is her posts, countrywide is worried of the truth and posts to not contact her, tell your stories here and she will help on this board, I know her well, scarey company.


Left: July 19, 2006 By: In:

why not contact bridgegirl@yahoo.com? she has been helpful to others and to me and only the company would not want anyone to get together and compare notes....ask countryfried chick and look at the posts of bridgegirl24@yahoo.com.







you can also go to the CFC stock message board and see her posts, as I know it, she was sexually harassed and crushed by CFC for complaining about it and other issues. she has fist hand knowledge, knowledge of others violated and overall helped me and many others, so anyone who claims she isn't is a Countrwydie employee sent here...nice try. post on this board if you do not want to email, but I will always help those whop ask for it and are clear about who they are and what they are trying to accomplish, you are not alone!!! brigegirl24!!! bridgegirl24@yahoo.com



Left: July 15, 2006 By: In:

I am on record that I don't think much of this mortgage company and, consequently, I should therefore not care about their employees, past or present, but since I am an honorable person I thought I would warn anyone thinking of contacting this person for help/or advice (bridegirl24@yahoo.com.) DON'T DO IT!!



Left: July 12, 2006 By: In:

if you were a past employee or current one who was wronged by this company please email me for help and to share and join together... bridgegirl24@yahoo.com


Left: July 08, 2006 By: In:

Everyone go to the press and tell your story, write them, write the editors and call the radio shows. It is the only way to get it out. Let the world know what scum this criminal company is. Give me one person who has complained and had the company thank them and admit they found something....damn scum, GO TO THE PRESS!!! The lawyers their are scum, Iam an ex-employee and speak from truth, numerous employees crushed when they have complained of stuff, numerous customers crushed when they complained, dared to sue, go get lawyers etc..don't call the press, write them and tell them the scum at cwide and their actions, its the only way.


Left: June 29, 2006 By: In:

f that, go to the press first anonymousy then go to the attorney to sue...press puts pressure on the criminals!!



Left: June 25, 2006 By: In:

Same to you Mr Manager!


Left: June 25, 2006 By: In:

such great advice. pull the turd out of your head!!!!!


Left: June 25, 2006 By: Truth Commission In:

F the press, GO TO AN ATTORNEY


Left: June 24, 2006 By: In:

f the office of proes, go to the press!!


Left: June 22, 2006 By: Truth Commission In:

Yes, to the idiot who said you can phone the Office of the President. For one, I will back up what Chick said, because I worked for the company myself. For one dude, you are telling lies. In addition, there are MANY CUSTOMERS who have gotten absolutely NO WHERE calling the OOP.

Once agian ladies and gentlement, that was another bogus posts from a Countrywide manager. Probably the same pathetic soul as "Joe D." and/or "Top Producer.

COUNTRYWIDE IS A CRIMINAL COMPANY. THEY ARE BREAKNG LAWS LEFT AND RIGHT. NEVER CALL THE OOP. ALL OF YOU HAVING PROBLEMS WITH THEM NEED TO GET TOGETHER AND WITH ATTORNEYS.


Left: June 21, 2006 By: Country Fried Chick In: San Diego, CA

To the poster before me: You're rude.

Countrywide is not a bank, though it is a direct lender and is opening banking centers. Who the hell knows what they are, really? I've been there for seven months and quite frankly, don't give a rat's ass. I just know they suck. Brokers call themselves "mortgage bankers," and I can't remember what the technical difference is.

I gave the safest advice, as I see it, to someone who probably has very little trust left. I can tell you that I've worked alongside one of CW's top producers until recently and, most of the time that we are refinancing an existing CW customer, there is a problem with the payments, credit reporting, etc. Having once worked for B of A, I can tell you that the professionalism I experienced can't even be compared. Again -- SAFE advice.

A senior loan officer is considered 2+ years experience inmost companies. Maybe that's a rookie to you of such superior intellect, wisdom and experience. Unfortunately, CW titles those with NO prior experience "loan officers (THLCs.)

Up yours.


Left: June 21, 2006 By: In:

a real simple solution to your escrow problem. phone the Office of the President ( OOP). CHL has a special department to handle complaints that little processors and teleoperators in the escrow department can't figure out because they barely got their GED. I don't have the number handy but if you phone the chl 800 # they can give it to you. YOUR PROBLEM WILL BE RESOLVED ONCE YOU PHONE THESE PROFESSIONAL AT CHL. I PROMISE!!!!!!!!!!

For the stupid advice before me:

1) Countywide is part of a federally insured bank, and what the heck does that have to do with mortgage banking, Federally insured only insures your deposits at the bank up to 100k if the bank flops.

2) 2 years in the business is a ROOKIE. please.

3) bank of america sucks the most out of all of them.


Left: June 21, 2006 By: Country Fried Chick In: San Diego, CA

To Sheri in Reno: I would advise that you save yourself before trying to fix Countrywide. You're obviously experiencing what many others have experienced, and unless you're willing to invest in an attorney or you have resources to broadcast them on the evening news, you'll probably get nowhere with CW. I would suck it up and refinance with a reputable lender. You have to weigh your current monthly cashflow loss against one-time closing costs and future peace of mind. It seems to many that CW keeps their own asset accounts fat by holding a lot of customers' money (late fees, escrow overages) unlawfully. I would recommend Bank of America Mortgage, personally. They have very low fees and seem to have their act together. Escrow time can be a little longer, since they have centralized processing. I recommend that you have the following requirements of a future lender: 1. They must be a federally-insured BANK, not a "Mortgage Banker." 2. They must give you a SENIOR (2 + years in mortgage) loan officer.

Then, have a field day, reporting CW to every government agency you can think of.


Left: June 20, 2006 By: Sheri In: Reno

I have had a horrible problem with my Escrow account with them on a property I own in California! They are making me pay four times what I need to be putting into my escrow acct every month due to them having the wrong amount of property taxes. I have called and called and over a year later, I am still paying way more than I should be. I had the surplus mailed to me (over $4,000!) and they still do not get that my payment needs to be reduced. It is ridiculous!!!


Left: June 20, 2006 By: Truth Commission In: USA

THIS IS IN RESPONSE TO "JOE D" and his worthless post on June 11, THIS IS FOR ALL PRO-CW AND ANTI-CW READERS.

You don't seem to get it.

For many years Countrywide HAS BEEN #1 in customer service. But guess what? Countrywide is soon to be a HAS BEEN.

I know all this because I had just recently quit Countrywide to work for another mortgage company.

Countrywide didn't use move operations over to India, BUT NOW they do! That will be bad for customer service.

COUNTYWIDE IS NOW TOO CHEAP TO KEEP UP ON ITS COMPUTERS AND COMPUTER SYSTEMS. When I worked there, computers froze up at least 5 times a day, and application information was always getting erased.

That is why the number of customers complaining about missing payments has been increasing in the last few years.

That is why it is now taking Countrywide 30 to 40 days to close a loan. Also because Countrywide now has a lot of untrained, inefficient, and disorganized underwriters and processors. (Countrywide may now also be too cheap to hire an adequate staff)

That is also why payoffs and other items are now coming out wrong.

Also Countrywide requires just about all of its loan originations to use LANDSAFE appraisal, a company owned by Countrywide itself. Their appraisals are extremely conservative, and 9 out of 10 of mine and other A/Eís came in OVER $10K less than comps. Even if the home was in good condition. This forces the A/E to restructure the loan a higher rate, less cashout, fewer bills paid, or a some combination of the factors. Their appraisals set the road for disguised predatory lending, and bait and switch.

Wake up Joe D! Have you ever studied the life cycle of an organization? Check it out. It comes in four stages: Introduction, growth, maturity, and decline. Right now, Countrywide is slowing down in the growth stage about to hit maturity. The only thing holding right now is the brand name its built from its past. And if Countrywide continues with its path, it will not be long until it is in its decline stage.

ENRON WAS ONCE A FORTUNE 500 COMPANY. Countrywide is riding in the same path.

Also Countrywide was recently sued in California from its conduct as an employer, and apparently it never learned from the lawsuit. Another lawsuit will happen.

Joe D. you are not in the position to call the people here "Jerk Offs". Especially if you're another goon in Countrywide's management. Because only someone in CW management would stick up for Countrywide the way you just did.

Not to meantion Joe, you posted your same pathetic post on all 50 state pages here, claiming to be from different local cities.

And to the Pro-CW idiot who keeps taking up the excessive space in the forum with blank lines. GET A LIFE LOOSER.

You will not keep others from reading the previous posts.

Onto about the post of Country Fried Chick. I never meet her, but as a former CHL employee myself, I have known of the same garbage she's experienced going on in California and Arizona. Drug use is also not too uncommon in the employees and management there as well.



Left: June 16, 2006 By: country fried chick In: Southern CA

(The CA posting page is not working, so site manager said to post in other states)


I am currently employed by Countrywide and have recently experienced vile sexual harassment and financial abuse. I recently filed an HR complaint that resulted in my boss' termination. Thereafter, I was transferred for my "protection," given a position that I am lost in and did not want, and have been experiencing what I perceive to be (need to have my lingo legally appropriate) relatiatory actions on behalf of the management and executives.


I am in Southern California. I need to check with my lawyer to see if I can name the region in this forum.


I hate the company. I have been treated like a nothing and a plague. Everything the company does is with pretense and calculation. The game is being played by evil, narcissistic greed mongers. They place no value on human rights or suffering.


It seems to be common belief that the region is corrupt and just a good ole boys' club. I have heard that promotions and rewards are commonly believed to be based on long-term friendships, blackmail/bribes and (extramarital) sexual affairs. There seems to be quite a bit of evidence to support it; it just needs to be put together.


I was on a "privileged" team that virtually made its own rules and put a perverted, abusive non-supervisor in a supervisory role with me, after
(allegedly) having had notice of his past abusive behaviors. He acted as if he were above the rules, because the region had reportedly covered some of his past incidents from HR and even rehired him after he was fired by the parent company: Northwest Mortgage.


I have recently hired a lawyer to deal with executive management. I cannot say here, what it is that I seek; but we are wondering if there are any similar stories in the region that anyone can share. I specifically want to know about HLCs in supervisory roles, retaliation following HR complaints, the encouragement or discouragement of HR reporting, and any incidents that were minimized by higher-ups. My lawyer works on a contingency fee. I would never share names unless I had the express permission of the source. Even if someone can give me an idea of where else to look, it would be greatly appreciated. We'll do our own investigations. I want justice for others like me, and the company to face the consequences of their actions. I'm sticking around until it's done.



Left: June 13, 2006 By: In:

CHL = Enron


Left: June 11, 2006 By: In:






Left: June 11, 2006 By: Joe D In: Reno

Hey jerkoffs..CW ia a member of the S&P 500, Fortune 500, and #1 in customer satisfaction..this website's sole purpose is to drive business to US-Home Loans.com...get a life you stupid a**holes...



Left: June 04, 2006 By: In:

good god...where did you go to elementary school. your grammar is atrocious.


Left: June 01, 2006 By: Zoann Abel In: Reno

Our countrywide loansharks charged us 5,000 for the loan and then charged us 200.00 interist every month on top of the 367.00 intrest only loan. Then when we wanted to pay it off they charged us 3,000 plus 2,000 for fees. They are truly loansharks. We have never had such a rotten loan. We will never recomend or use them


Left: May 12, 2006 By: In:

so tom can get his $45 fee for his stupid advice.


Left: May 12, 2006 By: Thomas Martin In: Washington, DC

I have the Homeowners Consumer Center & the National Mortgage Complaint Center & I would like to hear from current or former employees from Countrywide who know about mailing out letters to borrowers with pre-payment penalties, who then get hit with a higher interest rate or ridiculous fees.


Left: April 30, 2006 By: In:

joe anderson ? why?


Left: April 23, 2006 By: Brian In: Reno

I have been paying my loan for 5 months now and my last payment that I made was an all interest payment with $100 to priciple. I have not recieved a payment schedule for the last 2 months and have called them and they say they know nothing about it, and now I am stuck with late fees just so they can make money another way out of the 4 other ways they already do. I won't do bus. with them as soon as I can pay them off or refi. asap


Left: April 20, 2006 By: JIM In: Columbus OH

Countrywide does suck. Kept messing up my account. I originally had another company and countrywide "bought" my loan. I was offered a great deal to refinance with my LOCAL BANK and I did. Do business locally. It helps you and your neighbors. Note: Countrywide tried to charge me $5000 prepay penalty, but it was not in my contract, so it did not hold up in court. They said they "forgot" to charge it when I paid off the loan. Good thing or I would probably be out $5000. Jim, Columbus, OH.


Left: April 20, 2006 By: Cindy In: Las Vegas NV

Bought a home in Las Vegas 4 years ago. I did not pick my mortgage company, but wished later that I had been given the chance. They applied 4 payments to the wrong account then tried to charge me late fees and almost sent me into foreclosure. Unlike some, I had all my ducks in a row and sued. I had every single piece of paper they asked for and won $5000 in small claims court. I then refinanced with another company at a much better rate. Later sold for twice what I paid. I beat the odds. That's a tough thing in Vegas!


Left: April 12, 2006 By: Joe In: Las Vegas

My second mortgage was just purchased by CW. I called them to ask a question about my interest rate and felt like everyone I talked to (tranferred 4 or 5 times) was a bum off the streets without any education or manners. I am looking to refinance with Bank of America now before I get screwed. I am glad I found this site!


Left: April 11, 2006 By: In:

you lost..they won!!


Left: March 19, 2006 By: Melinda Miller In: Mansfield

Countrywide SUCKS!! I financed with them for my second home when I relocated after college graduation for my first professional job. It was a very hectic time. I was living in a hotel starting my new job and driving my kids to school and back. I was very much looking forward to closing day when I could move into my new house. Closing was at the house with the moving trucks in the driveway.
Would you believe that the loan terms at closing were no where near what I had a written agreement stating. I didn't know what to do!!! I called the loan officer from the table and he stated he was very sorry but It turns out the program he was going to put me through didn't exist any more. I had forgotten to call me, and he had also stated he had been working day and night trying to find another equal program without any luck. My agreed upon payment was $1200 a month and it was now $1800 a month. I told them I didn't think I could afford this and couldn't sign. The realitors told me I had a legal binding agreement to sign and could be in trouble if I didn't sign today. I called the loan officer back at countrywide and asked him for advice. This was stupid. He said to sign and he promised to work out another deal in the next 30 days. Well it has been 14 months and I have struggled to pay the payment but have done so making it my first priority because I know I need my perfect credit rating in order to refinance which I'm doing at this time. I contacted an attorney after this who made a few phone calls and send a few letters to get them to hold up to their promises. I do have a letter from countrywide admitting what they did was wrong and the loan officer is no longer with them but there is noting they can do. I would have never had bought a house I couldn't afford If I knew I couldn't affort it. Countrywide SUCKS!!!


Left: March 14, 2006 By: In:

BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI. THEY ARE A CUT THROAT RECRUITING FIRM OUT OF HICKORY AND CHARLOTTE, NC, AND FLORIDA. THEY RECRUIT YOUR EMPLOYEES OUT OF YOUR COMPANY THEN CALL YOU AND REQUEST THAT YOU PAY THEM A RETAINER TO FILL THE OPEN POSITION. A YEAR LATER AND THEY COME RIGHT BACK AND RECRUIT THAT SAME CANDIDATE THEY FILLED THE OPEN POSITION WITH. THEIR GAME IS GETTING RETAINERS. IF YOU RETAIN THEM THEN WALK AWAY FROM THE DEAL, YOU OWE THEM 75%. IF YOU RETAIN THEM BUT FILL THE POSITION WITH A CANDIDATE YOU FIND, YOU OWE THEM THE FULL FEE.


Left: February 11, 2006 By: spell check, please In: woodland hills, ca

I stumbled across this website the other night. What a hoot!! Tried posting for California, but it won't let me. Former CHL employee here -- it is what it is ... I don't think that Countrywide is any different than any of the other big lenders - ie WAMU and Wells. Having worked at CHL, yes, we have severe customer service issues -- but so do the other lenders. So the grass is always greener. Most of the complaints that I've seen are against Retail/Full Spectrum Loan Officers - Seriously, what do you expect? They work out of CALL CENTERS. Most are young and hungry and are barely high school educated. These are not MBAs, people. Countrywide's biggest mistake has been to disregard their existing human capital-- I'm talking about the employees who have worked for Countrywide for 5+ years (many have been w/ the company for 10+ yrs). These are the people who came up when Angelo was very much active in day to day operations. These are the people who at their core understand that service is all we have. These are the people who tirelessly make it happen everyday, in every department. Now, management is looking to "grow market share" so the mucky-muckys go out and bring in outsiders - who have NO CLUE about the "Countrywide culture". So these mid level managers come in, have no clue, make no valuable impact on anything and then leave with their big fat signing bonuses when their contracts are up.
For all the disgrunted customers - I truly am sorry. It is frustrating. Here is the bank that helped you finance the American Dream and this has been your experience. Don't just blame Countrywide - look around. Look how many mortgage companies go under every year due to misrepresentation, scandal and lawsuits. More importantly, why on God's green earth would you allow yourself to let a telemarketer/mortgage loan officer do your loan??? Go to the bank directly. Know your rights. Ask around. BE AN INFORMED CONSUMER. Make your LO go over the GFE line by line. Make your LO walk you through the loan process - start to finish. ASK QUESTIONS. Usually people who feel "ripped off" somehow didn't read the fine print. ***And for all of you out there -- a "no point, no fee" loan will cost you more in the end: you end up with a higher rate and you can't write off a LO's rebate. Whereas if you bring in funds to pay your closing costs, you can write off the LO's origination fees.


Left: February 03, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. Thatís right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS.

NEVEVERMIND THAT ITíS A VARIABLE RATE ARM (Prime Rate+) LOAN.

NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).

NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.

No one can screw you like Countrywide can.


Left: February 03, 2006 By: jake In: cali

Improper Home Charges

Read then File a complaint

www.zimmreed.com




Left: January 31, 2006 By: M. O'Connell In: RENO

Wow, this website is great! Countrywide truly does suck! My sister and I co-own our home. We decided to get a home equity loan and ended up with one from Countrywide. In April 2004 my sister decided to move to Vegas and put a forward on her mail. Next thing I know, Countrywide changed our billing address to her address in Vegas without any authorization. I have called countless times to get the address changed back to mine. For crying out loud this is the address the home equity loan is for and they REFUSE to mail the bill here! So, every month my sister has to mail the bill up to Reno, and every month they recieve the bill late because they changed a mailing address that they were NOT suppose to. We will NEVER do business with them again!!!! It's completely and totally ridiculous!!!


Left: January 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. Thatís right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS.

NEVEVERMIND THAT ITíS A VARIABLE RATE ARM (Prime Rate+) LOAN.

NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).

NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.

No one can screw you like Countrywide can.

GO GET A BETTER RATE & SERVICE AT YOUR LOCAL BANK OR CREDIT UNION.



Left: January 20, 2006 By: roy In: tampa

Notice: Must Read

Sweat Shop Employees www.gdblegal.com

Appraisal Overcharges www.sherlocklegal.com

Wrong Doings www.jameshoyer.com

www.ripoffreport.com

file your complaint




Left: December 03, 2005 By: In:

Current Customers should call customer Service and tell them you want NO CONTACT 1-800-669-6607

That means:
*No emails
*No Phone Solicitations
*No Junk Mail

Get customer service reps name and employee ID# and make a note of it.

Countrywide gets around the do not call list because of a loop hole that allows them to call their current customers. Why do you think they buy so many mortgages? So they can call you and sell stuff to you is one reason.


Left: November 03, 2005 By: TOP PRODUCER In:

I'VE NEVER READ SUCH BS, AS I'VE READ JUST NOW! I HAVE A FEELING MOST OF YOU BABIES WHO GOT FIRED BECAUSE YOU WERE DOING FRAUD OR THOSE WHO THINK GOT THE SHORT END OF THE STICK PROBABLY HAVE 500 FICO SCORES, BECAUSE ONLY UNGRATEFUL BRATS COMPLAIN. CHL IS AMERICAS' #1 RESIDENTIAL MORTGAGE BANK IN THE WORLD! NO OTHER BANK CAN COMPETE. OUR RATES, OUTSTANDING CUSTOMER SERVICE, AND UNDERSTANDING OF THE MORTGAGE INDUSTRY WILL ALLOW US TO DOMINATE FOR YEARS TO COME. 1 OUT OF EVERY 3 PEOPLE HAVE A CHL, GO ASK YOUR NEIGHBOR HOW HAPPY HE/SHE IS WITH US. I DARE YOU!

THIS GOES TO ALL THE STUPID PEOPLE ON HERE: WHAT MORTGAGE BANK DO YOU KNOW THAT SPLIT 3 TIMES IN ONE YEAR AND HAD A ROR OF 90%?? ANYONE? YOU THINK WAMU, CHASE, WELLS, HAD A ROR OF OVER 90% IN ONE YEAR?? NO! THEY DIDN'T! BUT COUNTRYWIDE HOME LOANS DID. I SEE WHY THE AUTHOR OF THIS WEBSITE CREATED THIS WEBSITE; TO MISINFORM POTENTIAL CUSTOMERS FROM DOING BUSINESS WITH US. WHY IS IT THAT THIS WEBSITE ONLY HAS NEGATIVE POSTS?? NOTHING BUT A BUNCH OF BIAS KIDS. I'M GOING TO BE CHECKING IN A WEEK TO SEE IF THIS POST WAS POSTED, IF NOT THEN I KNOW WHAT THE AUTHOR HAS IN MIND AND THAT IS TO WEAKEN COUNTRYWIDE HOME LOANS. HE/SHE WOULD HAVE TO KEEP THIS WEBSITE FOR 10,000 YEARS BEFORE ANYONE STARTS HAVING DOUBT IN THIS COMPANY. IF SOME OF YOU GOT FIRED FROM THIS COMPANY, I'M GLAD! WE DON'T WANT YOU ANYWAY. WE ONLY WANT THE BEST WORKING HERE, GO TO OUR COMPETITORS THEY'LL HIRE YOU/ AND WE'LL CONTINUE BEING #1 IN THE WORLD IN RESIDENTIAL HOME LOANS. TAKE CARE GOD BLESS!

PLEASE ASK ME ANY QUESTION. AND STOP COMPLAINING THAT YOU DON'T KNOW WHERE TO SEND YOUR PAYMENT, THAT COMMENT IS AS OLD AS DINOSAURS. CALL THE MORTGAGE CONSULTANT YOU DEALT WITH AND HE'll DIRECTED YOU IN THE RIGHT PATH. WE ARE HERE TO HELP YOU ALONG THE WAY, FROM YOUR FIRST CONTACT, TO THE CLOSING TABLE, AND YOUR PICNIC AT YOUR HOME WITH FRIENDS AND FAMILY! THANK YOU FOR YOUR BUSINESS! GOD BLESS! LIVE WITH PASSION!!!!!!



Left: October 12, 2005 By: In:

As long as that greedy little pig Angelo gets his cash from fucking all of you over, everything is SNAFU at CW!


Left: October 11, 2005 By: Paul S In: Riverside

And I am still very 'PISSED"


Left: October 11, 2005 By: Paul S In: Riverside California

My dreaded experience with Countrywide home loans started June 11, 2005 in Henderson. That is the location of the CW office. Loan officer: Henry So. My file was lost once, lock in rate was lost because of it. Income documents had to be re-submitted also becuase of that. Communications with the loan officer was non-existent. The loan finally closed Sept. 9th 2005. I will never ever use that Company again. Unfortunately I am stuck with this loan. But I shall tell everyone my story who is ready to use them. Puchased a Condo In Las Vegas but I live in California


Left: September 20, 2005 By: An observer In: Atlanta, GA

I don't know about all the name calling, etc. but one thing is certain. Something bad has happened to Countrywide in Atlanta and there won't be an end until it's destroyed. Someone hired people to run this part of the company that either have no interest in the company or just simply aren't qualified to run a company. There is no profit being made and everyone is unhappy -- customers and employees. Seems like a recipe for disaster. Sit back and watch it fall. Maybe a year, maybe not that long. They'll be gone, someone new will be along or they can close down Atlanta altogether. I don't think Atlanta would be missed by the rest of Countrywide.



Left: August 31, 2005 By: In:

I think that may be an old Dutch song or poem.


Left: August 31, 2005 By: In:

HUH?!?!?!?


Left: August 31, 2005 By: In:

Alle eendjes zwemmen in het water

Alle eendjes zwemmen in het water
Falderal deriere, falderal de rare
Alle eendjes zwemmen in het water
Fal de ral de ral de ral de ra
Alle eendjes zwemmen in het water
Falderal deriere, falderal de rare
Alle eendjes zwemmen in het water
Fal de ral de ral de ral de ra


Left: August 30, 2005 By: In:

Put the fuckin' lotion in the basket!


Left: August 30, 2005 By: In:

Have you been watching The Lord Of The Rings again??


Left: August 30, 2005 By: In:

Don't hurt my precious!!!


Left: August 29, 2005 By: In:

Oh, you mean Cindy?


Left: August 24, 2005 By: In:

It puts the lotion on it's skin or else it gets the hose again.


Left: August 15, 2005 By: Uncle Cracker In:

I think Cindy has a split personality!


Left: August 09, 2005 By: In:

It's called a pre-payment penalty rider to the note. I'm sure your original loan docs had that and if they didn't you are a fool for paying the pre-payment penalty. You're a real estate professional, you should know these things. In addition, it's not Countrywide's fault they foreclosed but the woman who didn't pay her mortgage. When she knew she couldn't afford that home, she should have contacted you or another realtor immediately to sell then buy a home she could afford. Yes it's sad she and her kids were thrown out, but they are not obligated to take a short sale. Just because you couldn't get what she owed doesn't mean they didn't get an offer higher than yours. That's more than likely what happened. It sucks but it is what it is. Chalk it up as a loss and move on.


Left: August 08, 2005 By: Jodi Lareva In: Las Vegas

I am a Real Estate agent in Nevada and have experienced nothing but trouble with Countrywide. Not only did they charge me a 5k prepayment penalty when I sold my home, when the loan documents clearly stated that I had NO prepayment penaalty. They have screred many of my clients in the same ways. One of my clients had defaulted on her loan becuase her husband left here with four kids to raise. She looked to me to sell her home. She owed more than what we could sell it for and I negotiated with Countrywide to sell her house as a "short sale" meaning Countrywide would take less than what was owed in lieu of forclosure. The day before the close of escrow Countyrwide called me and said they changed their mind. They foreclosed on my client and left her in the streets with four young children. The buyer was on his way to town in a uhaul and now had no home to move into. It was a disaster. Countrywide is heartless, cruel and has no regard for anyone besides the almighty dollar. Shame on them.


Left: August 05, 2005 By: Cindy Gregory In: Las Vegas

To whomever left the response posted August 2nd. Please do not use my name. It's illegal.

Secondly in response to the post dated July 31st:

I do not work for Equifax and I do not sell any products for them. I own a processing company and I work for mortgage brokers. Since I see and analyze credit reports daily and know the effects on people's lives from erroneous credit reporting, I simply was suggesting that the product I purchased from Equifax was worth the money. Furthermore, I'm not a proponent to any of the 3 bureaus. Sadly though they our lives are directly affected by their reporting. I purchased their product and it worked for me.
So whoever left the post, please feel free to email me at cincoinc1@cox.net. Not only is my story the absolute truth, I have the documents to prove it including the revision letter from CW themselves. So there you go, CHUMP!


Left: August 03, 2005 By: In:

You leave an email and I'll talk to you directly Cindy. Wow, what a way for a lady to talk. Chump? Wow. I'm impressed by your choice of insult there. I would have expected something a bit less low-brow.


Left: August 02, 2005 By: Cindy Gregory In: Las Vegas

Why don't you leave your name then chump?


Left: July 31, 2005 By: In:

So you work for Equifax and you are selling your Gold Credit Crap? You are full of it and the lowest of the low. It's next to impossible for that to happen if CW bought the servicing in January of '05. It's sad how many people are just nieve enough to believe your line of BS.


Left: July 29, 2005 By: Cindy Gregory In: Las Vegas

I own a contract mortgage processing company in Las Vegas, Nevada. I have been processing and originating loans for over 10 years. I am licensed in Nevada and Florida. I belong to the Equifax credit watch program in which I pay $129.00 annually for Equifax to monitor all three bureaus regarding my credit file. I recently purchased a home in 12/2004. My heloc got bought by Countrywide. My first payment was due 1/2005 in which I set up automatic drafts from my checking account. Each month I pull my credit rating through Equifax free of charge. On 7/18/05 my credit score was 766. On 7/24/05 ( 7 days later) I received an email from Equifax Score Watch that my fico had went from 766 to 708. The reason: a serious past due account was reporting. I immediately contacted Equifax at their 24 hour service (availbale to Gold Members like myself) and inquired what the hell was going on. Seems that Countrywide had reported a 90 day late to the bureaus for 12/2004. 90 days late??? I just purchased my home in 12/2004. No payment was due until 1/2005. I was told by Equifax that I must contact Countrywide directly. This was a sunday night. I lost sleep that night. Come Monday morning I was on the phone and very furious. Seems this is an on going problem at Countrywide, yet no one could explain how the hell it could happen in the first place. After viewing my account and seeing their discrepancy, I was told there would be a revision to my credit report within 3-5 days. I wasn't satified with that answer. The following morning I called back and requested a supervisor. I demanded the revision immediately and threatened a lawsuit. I was put on hold and then told that they had put a "rush" on the revision. On Thursday I was notified by Equifax that my credit score was in fact back at a 766. I pulled my report again and low and behold the 90 day late had disappeared. Being in the mortgage industry and knowing my rights under FCRA (Fair Credit Reporting Act) certainly helped. I suggest every consumer pull their credit at least every 3 months, or pay the money to have one of the three major bureaus monitor their credit file 24 hours a day like the Gold Credit Watch at Equifax. I analyze peoples credit daily and I see the horror stories daily. Protect yourselves!!! A few dollars are worth it when our whole lives revolve around a credit score! The brokers that I process mortgage loans for refuse to use Countrywide Home Loans and I have refused to process any loans that are being submitted to Countrywide for years now. It was unfortunate that my heloc got sold to them. I am immediately refinancing out of that heloc. Countrywide Home Loans does SUCK! Trust me, I know. Protect yourselves and know your rights!!!!


Left: July 29, 2005 By: Sean Brennan In: Las Vegas/NV

I must say the process was very slow, but I did get a hummer from the loan officer. I forgive them


Left: July 26, 2005 By: In:

I'm going to post this in every state listed here. YOU MUST TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS AND DECISIONS!! I have recently left the lending industry. I can site many reasons for this, however the top reason has to be dealing with borrowers and potential borrowers who had no concept of financial responsibility. Just because you have a 700 credit score does not mean you demonstrate good use of credit or that you are guaranteed the rate or terms you want. In fact, many people who have the best credit scores carry the most debt. What you people do not understand is that the lending institutions want you to carry debt, so if you carry alot of debt and pay it on time your score will be higher than someone who pays their bills OFF every month and only carries a mortgage and a car loan/lease. If you fall on hard times, pay your damn mortgage and let the friggin' Visa's go delinquent. Visa isn't going to take your house, your mortgage company is. People jump to quickly to file BK. Guess what, ole' GW has made that next to impossible for the average American. You're better off making arrangements with your credit card companies and paying your mortgage off as quickly as possible. Use good judgement, not the "I want it now!" mentality. Buy a Trailblazer instead of the RangeRover or the Hummer or the Lincol or Caddy or whatever. How many of you people that post on here have kids? What kind of behavior do you think your actions teaches them? Anyone who would voice their opinion is more than welcome to email me at michael_harman1976@yahoo.com. I would be more than happy to help anyone who needs some good advice on how to get themselves into a good financial position. I am not selling anything, I'm a former CW employee who feels an obligation to help those who have been taken advantage of.

Michael


Left: June 13, 2005 By: THIS NEEDS TO HAPPEN MORE OFTEN In: USA

HERE IS THE STORY OF THE LAW SUIT.
Countrywide Home Loans settles suit
Countrywide Home Loans Inc. agreed Tuesday to a $30 million settlement in a class-action suit brought against the company by employees at its California call center in Rosemead.
The $30 million will cover claims for unpaid overtime wagers, reimbursement of wage deductions, compensation for on-duty meal periods, attorneys' fees and related items.

Countrywide also agreed to reclassify all of its California call center account executives as non-exempt from state and federal overtime and other wage and hour laws.

The settlement has been given preliminary approval from Judge Victor H. Person of the Los Angeles County Superior Court.

Countrywide Home Loans is a division of Countrywide Financial Corp. (NYSE: CFC) Both companies are based in Calabasas.



Left: June 10, 2005 By: Robert Thomas In: Henderson , NV

I am looking to refinance my home and I was searching the web and I am glad I found your site. Thanks for posting it and my condolances to those who got screwed. After reading several stories I continued looking and found an interesting article about class action suit brought against the company by the employees of Countrywide for unpaid wages, unpaid overtime ect. If they steal from their employees ( in most companies are concidered family) I could only imagine what they would do to their customers. Here is the address of the site I had found the article http://www.bizjournals.com/losangeles/stories/2005/05/30/daily12.html . I don't know how long they will keep the article up. Again thanks!


Left: June 02, 2005 By: Nicole In: Las Vegas, NV

June 2nd, 2005 Nicole Las Vegas, NV

I am a mortgage broker in Nevada and heard about this site from some of my colleges. I have brokered some loans to Countrywide in the past and did not have a very positve experience. They are ridiculously slow and basically incompetent. Now it is coming back to haunt me. A very dear friend of mine came to me and said he was very behind on all of his bills, had equity in his home and needed my help. After reviewing his credit and his income, I shopped for the best loan program and interest rate for his situation....that's my job. Countrywide had a great rate, and bragged about their quick turn-around time, so we went with them. We closed on time, everything was O.K. My client had cash-out refinace and payed off all his debt with just his mortgage remaining. Life was great. He had every intention of repairing his credit and was well on his way to do so. Around December of 04 he had some hard times and fell behind. He spoke to the illusive "Jenny" at Countrywide, who was very helpful set him up on a repayment plan. He followed the agreement paying an extra 300$ approximately a month to catch up on his missed payments. Next he received a notice of default and foreclosure docs in the mail. So he called me today worried that he is going to lose his house. I called Countrywide myself, asked to speak to "Jenny" or "Melissa" and after being transferred a few times with no answers. Then I finally got a young man who was sounded new to the company, he obviuosly has not been jaded yet. :) He told me that the name on all of my clients correspondence letters, this Melissa Amador Loan Counselor, really didn't exist and it was just a name that the computer uses for that specific department. Nice! I explained to him that my client has been following the repayment plan set up by "Jenny" and that he just sent in a payment on Saturday via Western Union and they denied it because it was not the full past due amount. He told me that Jenny had never put any notes in the computer regarding their conversation or the repayment plan. Isn't that convenient!

It just amazed me after reading these other stories that the same scenarios, with the same contacts at Countrywide, Jenny and Melissa, were mentioned repetedly. I am dealing with this right now, it's so unbelievable!

My client will be okay. We started his refiance today luckily his credit score has not dropped below the point of no return. This company will be on our black list for evermore. I will NEVER use Countrywide again.

If anyone needs advice on refinacing or purchasing a home you can e-mail me at nicolelasvegashomes2004@yahoo.com
I can at least review your good faith for you to prevent any excessive charges or unrealistic rates, and if you have a problem with Countrywide similar to ours or whatever it may be, let me know if I can help.




Left: May 20, 2005 By: Jay In: Las Vegas

This one is almost laughable. I didnt learn the 1st time. I Refi'd my house 3 years ago w/ agony to spare.
Lost files missed cloing dates etc. The usual BS it appears.

i went on line to get heloc. 5-6 days later I get a call from the agent to confirm my info.

10 days later i get a call to confirm my mailing address. i confirm las vegas, nv.

4 days later I start calling to check status since i had yet to receive.
2 days of calling 4 differnt depts. I find out my package with all my personnal and finacials was sent to Florida to an incorrect address.

I told them I would like to cancel this app and I would approach the loan through a total refinance thru a different lender.

I got a few calls to address the mistake and attempts to salvage their commissions.

The last call I received was from a different processor explaining to me that she was my real processor and that keith so and so was my loan officer. After a few frustrating minutes of engaging conversation, I managed to convince her that She was not talking to the Right customer, she thought I was Someone else. Poor bastard.

I will refi w/ another co. asap.

Fool me once, shame on you
Fool me twice, shame on me.

No shame here.



Left: May 19, 2005 By: In:

Thank you so much for this website. Our realtor recommended Countrywide so strongly that we went to them for our mortgage. If you think Countrywide is bad, try going to a realtor who works hand-in-hand with Countrywide. Countrywide gave us an interest rate upon which we based our offer. As soon as the offer was accepted, Countrywide upped the interest rate so much that we knew we could no longer afford the house, but we had signed an offer to purchase that allowed that rate of interest (on the advice of Countrywide, who said it didn't really mean we would ever have to pay that higher rate, it was just something to put on the offer). So, we went to a bank, and they offered us a much lower rate. The bank called the realtor to start the loan process. The realtor turned around and called Countrywide, who then called us, to offer us a much, much better rate. Okay. But then, Countrywide wouldn't move. Not even an application to start the loan process. Each time I called they tap-danced about computers and "in the system," etc. We had no application, no written estimate, nothing. Twelve days before closing I called our local bank in a panic. They were able to do the loan at that interest rate and cut Countrywide out completely. They said if we had waited a couple more days it would have been too late. We believe that Countrywide was holding out until we had no other options before they would give us a loan, and the terms of it would have been at their pleasure.
THEN, we found out our realtor had not disclosed an encroachment. This alone could have been a deal-breaker, but we wanted the property so we worked out a deal with the man who owned the property on whom we were encroaching. We also got an attorney, and asked him to take over the closing, which we had been planning to do at the realtor's office. WELLLLLL---Here it gets fun. Countrywide and our realtor had worked into the purchase all sorts of "creative financing," so that we, the buyers, would be credited with approximately $3,500 at the closing, which would have been at the realtor's office, where we wouldn't have known what the hell he was doing with the money. But our lawyer and our bank did exactly that; they credited us with the $3,500. In fact, they ran out of places to credit us, so the seller ended up writing us a personal check for the balance. Our realtor was shocked when he found this out at closing. We had to stay an hour while everyone in his office and the lawyer's office looked for money, calculators clicking, pages flying. The realtor went outside and talked on his cell phone. We overhead him shout, "Well then we're screwed!" I kid you not! At another point in this comedy our lawyer asked him, "Well, where's the earnest money? I don't have it. Do you have it?" And the realtor said, distractedly, "Well yes, I have it, butÖ." and went back to playing with his calculator.
The way it finally turned out for us was beautiful. The seller actually ended up paying for part of our down payment, but it didn't cost him anything because Countrywide had him raise the asking price in order to credit us, in order to be able to get their thousands at closing. We paid NO FEES whatsoever, and walked away with a small check to the good. The seller paid a very low commission to the realtor (because the realtor quoted him a small commission, apparently because he, the realtor, was going to get a cut of the "creative financing" done by Countrywide at closing.) Watching this comedy of errors was truly enjoyable; however, it followed a month of anxiety and fear. I don't recommend Countrywide to anyone. And if your realtor recommends them, please be warned.



Left: April 13, 2005 By: Jo In: las vegas

No Melissa? Of course, there's a Melissa. I have two letters from her. However, these phone clerks don't quit, only type into the computer notes if they feel like typing (always make them read back veratim what they've written) This is the most inefficient company I have ever had to deal with. They lie. They cheat. They don't do what they say. You can't get them to work with you because you never talk to the same person twice. And they just get going, and going and going like the Ever Ready bunny. Oh well, with luck they'll end up in jail with the Enron guys.


Left: April 10, 2005 By: ha In: haha

countrywide sucks hahahahahaha


Left: March 01, 2005 By: Delores E. Brathor In: Las Vegas , NV.

HOME EQUITY LOAN

I handle all the Bills in our household, Las wee, around 5:30 om, on Wed.02/17/05.My husband was told our home was in jeporady of forclouser.due to the delinquient status our our acccount. I was very upset that anyone would call my home and state this ive the phone, I called the company back the following morning regarding this matter. because I know payments were made. as I do all of this with my Bank on e-billing. When I spoke to the COLLECTION DEPARTMENT. JOKE .. I was told that I was in default for $3.36 I was ######### to say the least, I WENT HOME SENT IN $10.00 PAYMENT, TO COVER THE $3:36 AND LATE CHARGE OF $5.00 .I could not say what I would have like to have said. because I was at work. Yesterday 02/28/05. I recieved a NOTICE OF DEFAULT AND ACCELERATION statement NOw I am really mad, I will look for a new lender to refi my home


Left: November 20, 2004 By: rhb In: Reno

Hi I live in Reno,NV and had a Countrywide Mortgage Loan, I got behind on my payments, and I called countrywide to set up back payment arrangements, Thay were very helpful, I had to send them $1000.00 in good faith money and then start making 1368.00 per month payments, $598.00 was going to back monies due, Jenny set everything up for me and said if for some reason I will be late give her a call and let her know, I called her and let her know that I had to change jobs at 2.00 cut in pay per hour, and asked her to give me a call back so we could discuss this ( no returned call from Jenny ) I called her again still no call from Jenny, I received a letter from her saying that the repayment agreement was void and they were going to foreclose, (I never received forclosure papers and still haven't to this day) I called and called, no returned call then. I then get a hold of a freind to help me out, He had to fax this company CTC Services, It's Countrywides forclosure department, My freind told me he has left messages and has faxed this Stacy so he could send the money, Stacy would not return his calls or fax, I called Stacy and asked for a 10 day extension she said no and started yelling at me, I asked why she was yelling at me, she said That Melissa had been calling and leaving messages, Please beleive me when I say I have never herd from a Melissa. Stacy told me that I could not extend the foreclosure for 10 days, Then on the day of the auction I get a call from CTC, DO YOU KNOW YOUR HOUSE IS IN FORCLOSURE, I told her the story I did not get her name, I asked her if I could talk to Melissa, Mind you this lady is in the same dept as Stacy and Melissa, She told me they don't have a Melissa, So I told this lady the story she looked up the notes on my account, She then hung up on me. I found out that PMI makes a big differance on forclosures. They sold my house on the county court house steps for 79000.00 I owed 93000.00 PMI will give them the balance. Now I'm out of a home with no where to go, with 2 children and a husband, with messed up credit and no money for a deposit to rent a house. And through this ordeal we were going through a custody battle because we submitted a Motion to modify child support, we pay 1100.00 and have our children 50% of the time, We won on the custody battle, but we lost our house in the process, I have no Idea of what I will tell the children that we have to move someone else owns our house now,


Left: October 29, 2004 By: Karen Murray In: Las Vegas

Last July 2003 I got a loan from Countrywide with 10% down. I was told that as soon as it reached 20% in value the PMI would be dropped. Not only did the value double. I put an additional $50K into flooring,landscaping after I moved into the home. I called them about the appraisal. They told me they can't remove the PMI for 2 years. Of course the interest rate is very low so it's not worth it to refinance with another company. I'm paying an extra $200 per month for 2 years. This is wrong!


Left: October 29, 2004 By: Karen Murray In: Las Vegas

Last July 2003 I got a loan from Countrywide with 10% down. I was told that as soon as it reached 20% in value the PMI would be dropped. Not only did the value double. I put an additional $50K into flooring,landscaping after I moved into the home. I called them about the appraisal. They told me they can't remove the PMI for 2 years. Of course the interest rate is an ARM and quite low so it's not worth it to refinance with another company. I'm paying an extra $200 per month for 2 years. This is wrong!


Left: October 29, 2004 By: Karen Pincock In: Las Vegas

Last July 2003 I got a loan from Countrywide with 10% down. I was told that as soon as it reached 20% in value the PMI would be dropped. Not only did the value double. I put an additional $50K into flooring,landscaping after I moved into the home. I called them about the appraisal. They told me they can't remove the PMI for 2 years. Of course the interest rate is an ARM and quite low so it's not worth it to refinance with another company. I'm paying an extra $200 per month for 2 years. This is wrong!


Left: October 24, 2004 By: So Glad Not to be You In: Las Vegas NV

You're an idiot who obviously has nothing better to do than complain - what an asshole - if this is the worst thing in the world you can complain about, you're a lucky idiot. I hope you have received real hard luck stories from people who deserve sympathy - what an complaining, whiny idiot!

Left: September 20, 2004 By: Ann D. Allen In: Las Vegas

CountryWide Home Loans and a sleeze company name
Source One formerly Mortgage One conspired to get a loan that benefitted them only on paper, it forced me to sell my house and file bankruptcy.
Because of them I lost everything I had. I have aletter from Mortgage One admitting what they did and from Country Wide admitting after 4 years, they took it off of my credit report. If it was not for Contact 13 News here in Nevada it would still be on my credit report, they threatened to foreclose on a loan, they were not servicing, this company caused so much destruction in my life in the last 4 years. I am writing a letter to every newspaper office in every state that Country Wide has an office in hopes that they will print my letter and let people know what kind of crooks these people are. Every one is afraid of them, it took a year to find an attorney in a different state to take my case and go up against them, I am going to spend the rest of my life bringing these people to their knees,
for what they did to me, I will take out ads in the newspapers and television and radio to let people know what crooks they are. I have the proof to back up every statement I make about their fraudulent business practices. I can prove I never had a loan for $164,250.00, for thirty years with them, but they cannot prove that I did. The company is as crooked as can be. I have at this time nothing but time and energy to prove
how crooked these people are. If there is anybody
else out there that wants to file a class action suite in the state of Nevada, please feel free to contact me at BabyJams1@Earthlink.Net. We can receive a lot of exposure in Las Vegas, because Contact 13 News is aware of what is going on with myself and Country Wide and Mortgage One, they did a story on me regarding the credit fraud and they are willing to do a follow up story. Please contact me and I wish to thank you for the opportunity to tell my story.

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